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Simple rewards for business owners

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The Capital One Spark Miles for Business Credit Card is a good option for small business owners looking for a simple and easy-to-understand travel rewards card. Instead of tracking multiple categories or rotating bonus calendars, you earn a flat rate of rewards on most purchases.

  • Annual fee: $0 for the first year.$95/year thereafter

  • welcome offer: Earn 50,000 miles when you spend $4,500 or more within the first 3 months.

  • reward: Earn 2x miles per dollar on every business purchase and 5x miles per dollar on hotels and rental cars booked through Capital One Travel.

  • Recommended credit score: Good to excellent (670–850)

  • Learn more: Up to $100 travel credit towards Global Entry or TSA PreCheck fees.

The annual fee for the Spark Miles Card is $0 for the first year. After that, the fee increases to $95 per year.

New cardmembers can earn 50,000 miles when they spend at least $4,500 in new purchases within three months of account opening. Once you meet the spending requirements, Capital One will apply the bonus to your account within his two billing cycles.

Your new cardmember benefits can be worth up to $500 when you redeem them for travel arrangements booked through Capital One Travel.

There are currently no APR referral promotions for the Capital One Spark Miles card.

Compared to other points cards, the Spark Miles for Business card has a relatively simple reward structure.

To make the most of your benefits, book your business travel, including hotel stays and rental cars, through the Capital One Travel platform. Earn 5 miles for every $1 spent. Earn 2 miles for every dollar spent using your card for everyday business purchases, such as internet service, cell phone bills, and shipping costs.

Earn unlimited miles and never expire as long as your account is open.

The primary redemption method for the Capital One Spark Miles card is for travel arrangements booked through Capital One Travel. Redeeming miles through the Capital One Travel portal is worth 1 cent per mile. For example, if you earn 20,000 miles, you can redeem them for $200 worth of airline tickets, car rentals, or hotel stays.

Capital One lets you transfer points to travel partners, including loyalty programs like Emirates Skywards and Finnair Plus. You may redeem miles through other methods, such as gift cards or account credits, but these redemption options may reduce the value of your points.

Other benefits include:

  • Free employee card: Get a free card for your employees and earn rewards on purchases. Additionally, you can set spending limits on employee cards.

  • Lifestyle collection: When you use your card to book a stay at a Lifestyle Collection hotel, enjoy benefits like a $50 Experience Credit to use during your stay, room upgrades, and early check-in or late check-out (where available) receive.

  • Global Entry or TSA PreCheck fee credit: Sign up for TSA PreCheck or Global Entry to save time in airport security lines. This card gives you up to $100 in statement credits to reimburse your application fee for Global Entry or his TSA PreCheck.

  • Extended warranty protection: Capital One will extend your warranty protection by one year when you use your card to purchase eligible items with a warranty of three years or less, such as a new laptop or copier.

  • Capital One Lounge: Capital One Lounge is a network of airport lounges located in select cities. Spark Miles card holders can enjoy free Wi-Fi, meals and coffee, allowing them to relax before their flight or catch up on work.

The Spark Miles Card is ideal for small business owners such as independent contractors and freelancers who frequently travel for work. You’ll earn higher cashback rates on hotels and car rentals, and flat rate pricing on all other business purchases.

This card offers additional perks and protections, and the $95 annual fee is relatively inexpensive for a card that offers so many benefits.

  • Free annual fee for the first year: There’s no annual fee for the first year, so you have time to try out the card and earn rewards before deciding whether to keep it and pay the fees.

  • Easy reward: Even the best rewards cards can be very complex, requiring users to keep track of rotating spending categories and special bonus offers. The Spark Miles card is very simple and offers flat rates on most purchases.

  • Added benefits: Cardmembers enjoy benefits such as extended warranty protection and Global Entry or TSA PreCheck fee refunds.

  • Must have excellent credit: To qualify for the Spark Miles Card, you must have excellent credit. According to Equifax, one of the three major credit bureaus, a very good to excellent credit score will be between 740 and 850. If your score is not within that range, you are not eligible for the card.

  • Lack of travel insurance: The Spark Miles card lacks some important benefits for a travel rewards card, including common benefits like baggage delay insurance, rental car damage insurance, and trip cancellation and interruption coverage.

  • No introductory APR: Spark Miles does not have an introductory APR offer, so you will not receive 0% APR on purchases or balance transfers.

The Spark Miles Card is a Mastercard and is accepted at most retailers and merchants in the U.S. and other countries.

Payments with your Spark Miles Card can be made online, through the mobile app, or by sending a check by mail.

capital one

Destination: Payment Processing

P.O. Box 71087

Charlotte, North Carolina 28272-1087

Customer support is available 24/7. You can contact customer service by phone or through social media.

If the Capital One Spark Miles Card isn’t the right card for you, one of these other business credit cards may be a better fit.

Why I like it: The Chase Ink Business Unlimited card has no annual fee and earns a flat 1.5% cash back rate on every purchase.

Recommended credit score: good to excellent (670–850)

Why I like it: The Amex Blue Business Cash Card also has no annual fee and an introductory promotion of 0% APR on purchases completed within the first 12 months. After that, regular APRs of 18.49% to 26.49% apply (terms apply, see Rates and Fees).

Recommended credit score: good to excellent (670–850)

Why I like it: The United Business Card has a $99 annual fee, but it comes with great benefits. Benefits include trip cancellation or interruption coverage, trip delay refunds, baggage delay insurance, rental car collision liability waivers, and more.

Recommended credit score: good to excellent (670–850)

This article was edited by rebecca mccracken

Editorial Disclosure: The information in this article has not been reviewed or endorsed by any advertisers. Financial product details such as card rates and fees are accurate as of the date of publication. All products or services are provided without warranty. Please check your bank’s website for the latest information. This site does not contain all currently available offers. A credit score alone does not guarantee or imply approval for a financial product.



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